Zuno General Insurance vs Zurich Kotak General Insurance: IRDAI Data Comparison
General insurer comparison · Source: IRDAI public disclosures ·How to read this comparison
| Metric | Zuno General Insurance | Zurich Kotak General Insurance | Period |
|---|---|---|---|
| operating profit ratio | -3.0 % | -23.0 % | Q1 FY26-27 |
| technical reserves to premium ratio(size) | 6.3 % | 5.4 % | Q1 FY26-27 |
| marine cargo incurred claims ratio | 903.0 % | 126.0 % | Q1 FY26-27 |
| Corporate Agents – Others premium(size) | 3306 ₹ lakh | 3788 ₹ lakh | Q1 FY26-27 |
| Web Aggregators policies(size) | 26 count | 53 count | Q1 FY26-27 |
| personal accident segment premium(size) | 2430 ₹ lakh | 1622 ₹ lakh | Q1 FY26-27 |
| solvency ratio | 1.64 × | 2.84 × | Q1 FY26-27 |
| combined ratio | 115.0 % | 132.0 % | Q1 FY26-27 |
| other investments(size) | 20794 INR_lakhs | 24617 INR_lakhs | Q1 FY26-27 |
| net yield (quarterly) | 2.05 % | 7.04 % | Q1 FY26-27 |
| Insurance Marketing Firm policies(size) | 416 count | 765 count | Q1 FY26-27 |
| gross written premium(size) | 402 ₹ crore | 625 ₹ crore | Q1 FY26-27 |
| marine hull segment premium(size) | 0 ₹ lakh | 0 ₹ lakh | Q1 FY26-27 |
| net worth growth rate(size) | 13.0 % | -17.0 % | Q1 FY26-27 |
| expense ratio to gross premium | 31.0 % | 37.0 % | Q1 FY26-27 |
| net retention ratio(size) | 57.0 % | 73.0 % | Q1 FY26-27 |
| motor od combined ratio | 133.0 % | 147.0 % | Q1 FY26-27 |
| Point of Sales Person (Direct) premium(size) | 1065 ₹ lakh | 2022 ₹ lakh | Q1 FY26-27 |
| health segment premium(size) | 12044 ₹ lakh | 19221 ₹ lakh | Q1 FY26-27 |
| Micro Agents premium(size) | 0 ₹ lakh | 6 ₹ lakh | Q1 FY26-27 |
| travel incurred claims ratio | 199.0 % | 102.0 % | Q1 FY26-27 |
| gross npa ratio | 0.00 % | 0.00 % | Q1 FY26-27 |
| marine cargo segment premium(size) | 104 ₹ lakh | 3288 ₹ lakh | Q1 FY26-27 |
| fire incurred claims ratio | -46.0 % | 42.0 % | Q1 FY26-27 |
| net earning ratio | -2.0 % | -22.0 % | Q1 FY26-27 / Q4 FY25-26 |
| motor od incurred claims ratio | 80.0 % | 92.0 % | Q1 FY26-27 |
| investment income ratio | 2.1 % | 7.0 % | Q1 FY26-27 |
| Corporate Agents – Others policies(size) | 4637 count | 20705 count | Q1 FY26-27 |
| Web Aggregators premium(size) | 2 ₹ lakh | 7 ₹ lakh | Q1 FY26-27 |
| central govt. securities(size) | 23.0 % | 21.9 % | Q1 FY26-27 |
| underwriting balance ratio | -0.2 % | -36.0 % | Q1 FY26-27 |
| MISP (Direct) premium(size) | 431 ₹ lakh | 6 ₹ lakh | Q1 FY26-27 |
| liability incurred claims ratio | 55.0 % | 72.0 % | Q1 FY26-27 |
| gross npa (amount) | 0 INR_lakhs | 0 INR_lakhs | Q1 FY26-27 |
| Brokers policies(size) | 221205 count | 326637 count | Q1 FY26-27 |
| health incurred claims ratio | 99.0 % | 77.0 % | Q1 FY26-27 |
| personal accident combined ratio | 124.0 % | 87.0 % | Q1 FY26-27 |
| gross direct premium growth rate(size) | 62.0 % | 9.0 % | Q1 FY26-27 |
| Corporate Agents – Banks premium(size) | -2 ₹ lakh | 11060 ₹ lakh | Q1 FY26-27 |
| net commission ratio(size) | 10.0 % | 21.0 % | Q1 FY26-27 |
| gross direct premium to net worth ratio(size) | 98.00 × | 41.00 × | Q1 FY26-27 |
| MISP (Direct) policies(size) | 1970 count | 41 count | Q1 FY26-27 |
| engineering combined ratio | -308.0 % | 85.0 % | Q1 FY26-27 |
| aviation segment premium(size) | 0 ₹ lakh | 0 ₹ lakh | Q1 FY26-27 |
| workmen's compensation combined ratio | 93.0 % | 63.0 % | Q1 FY26-27 |
| personal accident incurred claims ratio | 96.0 % | 33.0 % | Q1 FY26-27 |
| Corporate Agents – Banks policies(size) | 3 count | 26983 count | Q1 FY26-27 |
| Micro Agents policies(size) | 0 count | 4 count | Q1 FY26-27 / Q4 FY25-26 |
| npa provision coverage | 0.0 % | 0.0 % | Q1 FY26-27 |
| profit before tax(size) | -4 ₹ crore | -64 ₹ crore | Q1 FY26-27 |
| engineering incurred claims ratio | 471.0 % | 26.0 % | Q1 FY26-27 |
| Point of Sales Person (Direct) policies(size) | 9545 count | 15038 count | Q1 FY26-27 |
| Insurance Marketing Firm premium(size) | 64 ₹ lakh | 65 ₹ lakh | Q1 FY26-27 |
| govt + approved securities(size) | 31.0 % | 32.8 % | Q1 FY26-27 |
| crop insurance segment premium(size) | 0 ₹ lakh | 0 ₹ lakh | Q1 FY26-27 |
| infrastructure & housing(size) | 52190 INR_lakhs | 174877 INR_lakhs | Q1 FY26-27 |
| government securities(size) | 41239 INR_lakhs | 154635 INR_lakhs | Q1 FY26-27 |
| motor TP segment premium(size) | 10171 ₹ lakh | 11513 ₹ lakh | Q1 FY26-27 |
| claims paid to provisioned ratio(size) | 57.0 % | 12.0 % | Q1 FY26-27 |
| workmen's compensation segment premium(size) | 1 ₹ lakh | 278 ₹ lakh | Q1 FY26-27 |
| fire combined ratio | -38.0 % | 80.0 % | Q1 FY26-27 |
| gross yield (quarterly) | 2.05 % | 7.04 % | Q1 FY26-27 |
| engineering segment premium(size) | 121 ₹ lakh | 970 ₹ lakh | Q1 FY26-27 |
| other segment premium(size) | 2472 ₹ lakh | 1807 ₹ lakh | Q1 FY26-27 |
| health combined ratio | 126.0 % | 115.0 % | Q1 FY26-27 |
| travel segment premium(size) | 40 ₹ lakh | 229 ₹ lakh | Q1 FY26-27 |
| housing & infrastructure(size) | 26.0 % | 37.1 % | Q1 FY26-27 |
| debentures & bonds(size) | 35131 INR_lakhs | 117050 INR_lakhs | Q1 FY26-27 |
| marine cargo combined ratio | 936.0 % | 198.0 % | Q1 FY26-27 |
| incurred claims ratio | 81.0 % | 86.0 % | Q1 FY26-27 |
| Brokers premium(size) | 34463 ₹ lakh | 39676 ₹ lakh | Q1 FY26-27 |
| claim settlement ratio | 70.9 % | 80.2 % | Q1 FY26-27 / Q3 FY25-26 |
| profit after tax(size) | -4 ₹ crore | -64 ₹ crore | Q1 FY26-27 |
| travel combined ratio | 260.0 % | 222.0 % | Q1 FY26-27 |
| motor OD segment premium(size) | 11217 ₹ lakh | 12994 ₹ lakh | Q1 FY26-27 |
| motor tp incurred claims ratio | 53.0 % | 106.0 % | Q1 FY26-27 |
| liability combined ratio | 77.0 % | 118.0 % | Q1 FY26-27 |
| fire segment premium(size) | 1482 ₹ lakh | 6360 ₹ lakh | Q1 FY26-27 |
| motor tp combined ratio | 89.0 % | 150.0 % | Q1 FY26-27 |
| liability segment premium(size) | 91 ₹ lakh | 4210 ₹ lakh | Q1 FY26-27 |
| workmen's compensation incurred claims ratio | 56.0 % | 24.0 % | Q1 FY26-27 |
| Individual Agents policies(size) | 2652 count | 6676 count | Q1 FY26-27 |
| Individual Agents premium(size) | 339 ₹ lakh | 1563 ₹ lakh | Q1 FY26-27 |
| expense ratio | 34.0 % | 46.0 % | Q1 FY26-27 |
| net yield (annualized) | 8.42 % | 7.39 % | FY25-26 |
| gross yield (annualized) | 8.42 % | 7.39 % | FY25-26 |
| claims repudiation ratio | 7.59 % | 3.79 % | FY24-25 |
Values shown as reported. This platform does not rate or rank insurers. Source: IRDAI public disclosures.